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Most of our home and contents insurance claims can be completed over the telephone. To ensure we get all of the details right, we may ask you to put pen to paper when finalising your claim. Your personal Client Manager will help you through this process.
You need to consider the cost to replace all of your items not what they are worth at this point. In the event of a claim, if you need to replace all your items you may not have the money available to do so and this is why it is recommended to have contents insurance. We strongly recommend [...]
An excess is the amount(s) of money you pay or must contribute towards the cost of any claim. All excess amounts relevant to your cover will be shown on your Certificate of Insurance. When you take out home insurance with Kogan Insurance, you can nominate the level of excess you want. Generally, the higher the excess you [...]
They will be covered under your contents cover if they are damaged or stolen from within the home. Mobility Scooters can also be covered outside of the home as ‘Portable Valuables’ for an additional premium.
You can increase your level of excess at any time during your home and/or contents insurance policy period. However, you can only decrease your excess when renewing your policy or during the 14 day cooling off period if you have not made a claim.
You can pay by direct debit from a credit card or bank account. We’ll set up an automatic payment schedule for you so you don’t need to worry about missing a payment.
You can find your nominated level of excess on your home and/or contents Certificate of Insurance, sent to you when you took out your policy with Kogan Insurance, or when your policy renewed. If you can’t find these documents, please call us on 1300 034 888 to find out your excess amount/s.
You can reduce your home and contents premium by choosing a higher excess. Remember though, that while your premium will be cheaper, you will have to pay a higher excess if you need to make a claim.
The excess is the amount you contribute towards a claim, therefore, if you are willing to contribute more at the time of a claim (higher excess) you will have a lower premium during the policy period. A lower excess would mean you would pay a higher premium. But remember, while your premiums will be cheaper [...]